Skip to main content
Your browser is out of date and not supported. We recommend you update your browser for a better online banking experience. Learn More
Select Your Residential State
Please select your state
There are some errors on this page.
  • Please enter your state.
  • Product offerings may differ among geographic locations. By selecting your state of residence, you'll be shown the specific terms and rates that will apply to your new account.

    Please note: If you choose to cancel this process, you may be redirected to a page other than the one you requested.

    Skip to main content

    What You Get

    • This free service from the IRS directly deposits your federal income tax refund in up to 3 accounts—including a Citibank IRA

      Citibank IRA

      With the split refund program, you can have your federal income tax refund directly deposited into your Citibank IRA, money market or savings account—including a Traditional, Roth or Rollover IRA.

      Note: If you have the IRS deposit your refund from the 2015 tax year into your Citibank IRA, it will be deposited as a 2016 IRA contribution.

      , money market account, checking and/or savings account. That means faster access to your refund AND no risk your refund check will be lost or stolen.

    How It Works

    A split refund allows you to decide how much goes into each account. Here's how:

    • Splitting your refund among multiple accounts? Complete IRS Form 8888 and attach it to your federal income tax return. This form tells the IRS where you want your refund deposited and the amount that should go into each account. If you want a portion of your refund deposited into your Citibank IRA, check Savings on Form 8888.
    • If depositing your entire refund into one account, instead of using Form 8888, go to the Refund area on Form 1040 and enter the ABA and account numbers where you want your refund deposited.
    • Whether you split your refund among multiple accounts or put it all into one, you'll need the Citibank ABA number

      Citibank ABA Number

      An ABA number is a 9-digit number assigned by the American Bankers Association (ABA) used for routing transfers and other transactions. Think of it as the bank's "address." Often called the routing or transit number, it is always in the lower left corner of a check.

      for each account.

    For the ABA number of your Citibank IRA, call 1-800-695-5911.

    Or, call us at 1-800-374-9700 (TTY 1-800-788-0002) to open an account or learn more.

      Consult your tax advisor about your own situation.

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

    Select Continue to proceed or choose Cancel to modify your selection.

    Share Your Screen With A Phone Representative

    During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

    If you need assistance from a Citi representative, contact us via chat or phone